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I’ve told you about how to get your free credit reports, so now let’s move on to the next scam-laden field of personal finance: credit scores. The U.S. government requres the credit reporting agencies to give you your credit reports for free at least once a year, but they’re under no obligation to do the same with your all-important credit score.

There’s good news, though. Free site CreditKarma offers an updated credit score provided by Trans Union — one of the big-three credit agencies — to all comers. They don’t just give you the raw number, either. They actually break down the individual factors making up your score and explain why it fluctuates from day to day. There’s even an iPhone app if you want to check your score on the go. Not bad for free.